I have a question, does it matter if the dentist is in or our of network? The reason I ask, the dentist we use accepts NO insurance, they give me a bill, with an envelope addressed to the appropriate insurance company, and the insurance company sends me a check.
I go with a GOOD or GREAT dentist and deal with the insurance as necessary.
Currently, I dropped all coverage, as it is not worth it, if you still are lucky enough to have coverage from your employer, then, you may be out a few $$ until the insurance company reimburses you, IMHO go with the GOOD or GREAT dentist.
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Pennsylvania, for 60+ years, most recently, Allentown, now TV. 
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